2018 Employee Contributions

Transcription

1 2018 Employee s ANNE ARUNDEL COUNTY GENERAL EMPLOYEE RATE SCHEDULE EFFECTIVE 1/1/18 to 12/31/18 At Employee Share of 25% for Triple Option Open Access; 15% for BlueChoice HMO Open Access; 15% for CareFirst EPO Employee Biweekly Pre-tax Deduction (or Taxable additional To Pay) Rates Medical and Dental Options Individual Parent and Child BLUE CHOICE OPEN TRIPLE OPTION OPEN ACCESS Employee and Spouse Family Blue Choice Triple Option Open Access with No Dental Coverage $92.79 $ $ $ Blue Choice Triple Option Open Access with CIGNA Dental Care (DHMO) $93.64 $ $ $ Blue Choice Triple Option Open Access with CIGNA Dental PPO $94.64 $ $ $ BLUE CHOICE HMO OPEN ACCESS Blue Choice HMO Open Access with No Dental Coverage $38.67 $70.80 $84.65 $ Blue Choice HMO Open Access with CIGNA Dental Care (DHMO) $39.52 $71.65 $85.50 $ Blue Choice HMO Open Access with CIGNA Dental PPO $40.52 $72.65 $86.50 $ CAREFIRST EPO CareFirst EPO with No Dental Coverage $42.57 $78.31 $93.29 $ CareFirst EPO with CIGNA Dental Care (DHMO) $43.42 $79.16 $94.14 $ CareFirst EPO with CIGNA Dental PPO $44.42 $80.16 $95.14 $ OPT OUT CIGNA Dental Care (DHMO) with No Health ($20.15) ($20.15) ($20.15) ($20.15) CIGNA Dental Care (PPO) with No Health ($19.15) ($19.15) ($19.15) ($19.15) No Coverage (Opt Out) ($21.00) ($21.00) ($21.00) ($21.00) No Coverage (Opt Out) AFSCME Local 2563 ($28.85) ($28.85) ($28.85) ($28.85) Notes: This Schedule is intended to provide a convenient cost comparison of various health plan options. Bi-weekly means 26 times/year. Amounts in ( ) indicate an addition to pay. There is no charge for vision care; dental enrollment is required for vision coverage. Employees who decline coverage in a County health plan because they are already covered in a County health plan by their spouse (who is also a County employee) are not eligible for opt out credits. Contractors are not eligible for health or dental credits. You will pay the same rate for electing the dental PPO regardless of whether or not you elect DHMO. FOR EMPLOYEES AND NON-MEDICARE-ELIGIBLE RETIREES 7

2 EMPLOYEE Comparison Chart Effective 1/1/18 to 12/31/18 This chart details the County medical insurance cost (plans bundled with CIGNA PPO dental) and the cost to employees. Medical Plans Total Rate Monthly County Monthly Employee Biweekly Employee (26 Pay Periods) BLUE CHOICE Individual $ $ $ $94.64 TRIPLE OPTION Parent & Child $1, $1, $ $ OPEN ACCESS Employee & Spouse $1, $1, $ $ Family $2, $1, $ $ BLUE CHOICE Individual $ $ $87.79 $40.52 HMO OPEN ACCESS Parent & Child $1, $ $ $72.65 Employee & Spouse $1, $1, $ $86.50 Family $1, $1, $ $ CAREFIRST Individual $ $ $96.23 $44.42 EPO Parent & Child $1, $ $ $80.16 Employee & Spouse $1, $1, $ $95.14 Family $1, $1, $ $ OPEN ENROLLMENT & BENEFITS REFERENCE GUIDE

3 PART-TIME Rate Schedule Effective - 1/1/18 to 12/31/18 (for part-time employees eligible for medical insurance benefits) This chart details the County medical insurance cost (plans bundled with CIGNA PPO dental) and the cost to employees. BLUE CHOICE TRIPLE OPTION OPEN ACCESS BI-WEEKLY DEDUCTION 50% FTE 60% FTE 70% FTE 80% FTE Individual $ $ $ $ Parent & Child $ $ $ $ Employee & Spouse $ $ $ $ Family $ $ $ $ BLUE CHOICE HMO OPEN ACCESS 50% FTE 60% FTE 70% FTE 80% FTE Individual $ $ $ $86.44 Parent & Child $ $ $ $ Employee & Spouse $ $ $ $ Family $ $ $ $ CAREFIRST EPO 50% FTE 60% FTE 70% FTE 80% FTE Individual $ $ $ $94.75 Parent & Child $ $ $ $ Employee & Spouse $ $ $ $ Family $ $ $ $ Dental and Vision coverage are included in the above rates. Bi-weekly means 26 times/year. All deductions are pre-tax. COBRA MONTHLY RATE SCHEDULE January 1, December 31, 2018 (2% Surcharge) BLUE CHOICE TRIPLE OPTION CAREFIRST EPO OPEN ACCESS Individual $ Individual $ Parent & Child $1, Parent & Child $1, Employee & Spouse $1, Employee & Spouse $1, Family $2, Family $1, BLUE CHOICE HMO OPEN ACCESS VISION PLAN (VSP) Individual $ Individual $2.44 Parent & Child $1, Parent & Child $4.87 Employee & Spouse $1, Employee & Spouse $6.22 Family $1, Family $7.07 AETNA MEDICARE ADVANTAGE PPO ESA $ CIGNA DENTAL Dental DHMO Dental PPO Individual $19.58 $35.78 Parent & Child $39.16 $63.47 Employee & Spouse $49.75 $82.31 Family $56.57 $91.48 FOR EMPLOYEES AND NON-MEDICARE-ELIGIBLE RETIREES 9

4 SCHOOL Health RN, LPN, PDS Aides and Health Assistants Effective - 1/1/18 to 12/31/18 Rates are based on 20 paychecks per year and include Cigna Dental PPO & Vision Coverage. Twenty deductions will be withheld from paychecks issued Jan. 1 - June 8, 2018 and from Sept 1- Dec. 31, BLUE CHOICE TRIPLE OPTION OPEN ACCESS Individual $ $ Parent & Child $1, $ Employee & Spouse $1, $ Family $2, $ BLUE CHOICE HMO OPEN ACCESS Individual $ $52.67 Parent & Child $1, $94.45 Employee & Spouse $1, $ Family $1, $ CAREFIRST EPO Individual $ $57.74 Parent & Child $1, $ Employee & Spouse $1, $ Family $1, $ RECREATION and Parks Child Care Directors and Assistant Child Care Directors Effective - 1/1/18 to 12/31/18 Rates are based on 20 paychecks per year and include Cigna Dental PPO & Vision Coverage. Twenty deductions will be withheld from paychecks dated Jan. 1 - June 8, 2018 and from Sept 1 - Dec. 31, % County Subsidy Rate based on 20 deductions BLUE CHOICE HMO OPEN ACCESS Total Monthly Rate Individual $ $52.67 Parent & Child $1, $94.45 Employee & Spouse $1, $ Family $1, $ CAREFIRST EPO Total Monthly Rate Individual $ $57.74 Parent & Child $1, $ Employee & Spouse $1, $ Family $1, $ OPEN ENROLLMENT & BENEFITS REFERENCE GUIDE

5 RETIREE Rate Schedule Effective 1/1/18 to 12/31/18 At retiree cost share of 20% for medical; 100% for dental; 100% for vision. Retirees and spouses must enroll in Medicare at age 65 (or when you first become eligible due to age or disability) to avoid Medicare s late-enrollment penalties and to receive the maximum coverage available. Plan & Coverage Level Monthly County Monthly Retiree Blue Choice Triple Option Open Access Individual $ $ $ Retiree and Child $1, $1, $ Retiree and Spouse $1, $1, $ Family $2, $1, $ Blue Choice HMO Open Access Individual $ $ $ Retiree and Child $1, $ $ Retiree and Spouse $1, $ $ Family $1, $1, $ CareFirst EPO Individual $ $ $ Retiree and Child $1, $ $ Retiree and Spouse $1, $1, $ Family $1, $1, $ MEDICARE ADVANTAGE (For retiree or spouse eligible for medicare due to age or disability) Aetna Medicare Advantage PPO ESA Total County Retiree Individual $ $ $ Retiree and Spouse $1, $1, $ CIGNA Dental DHMO (DHMO-network dentist required) CIGNA Dental PPO Vision (VSP) Individual $19.20 $35.08 $2.39 Retiree and Child $38.39 $62.23 $4.77 Retiree and Spouse $48.77 $80.70 $6.10 Family $55.46 $89.69 $6.93 FOR EMPLOYEES AND NON-MEDICARE-ELIGIBLE RETIREES 11